Surviving critical illness these days is not uncommon but it can and will turn your life upside down. It usually strikes without warning and can affect you physically, emotionally and financially. It also affects those closest to you, spouse, family, a business partner.

ProCare provides you with financial benefits while you are alive to help maintain your quality of life and independence after the onset of critical illness.


Critical Illness Benefit

PROCARE provides a lump sum settlement of up to $3 million upon the first diagnosis for any of the following illnesses:

  • Heart Attack
  •  Cancer
  •  Stroke
  •  Major Burns
  •  Paralysis
  •  Loss of Speech
  •  Deafness
  • Blindness
  • Coma

This benefit can help ease the financial burden by paying off debt or where necessary, to alter your home to facilitate medical upgrades e.g. a wheelchair ramp. The lump sum is based on the coverage purchased on the Policy Date – the Basic Sum insured. The minimum coverage that an individual may receive is $500,000.

Ambulance Benefit
A one-time benefit, to a maximum of $7,000 will be paid if an ambulance is used at the time of first diagnosis of the critical illness covered.


All premiums are payable in Jamaican dollars and can be paid monthly, quarterly, semi-annually or annually.

The premiums are based on coverage selected, age and gender of the life insured and is subject to a minimum contractual premium of $6,000 per annum.


Policy owners must be at least 18 years on their last birthday while the life insured must be between 18-60 years.

The Owner and the life insured can be two different people but there must be an insurable interest in the relationship for example:

  • Self
  • Wife or Husband
  •  Employment/ Employee


For more information see our Frequently Asked Questions, visit any Insurance Advisor at any NCB Branch islandwide or call 1-888-MY NEEDS(69-63337)